当前,国内外经济金融环境正发生着深刻的变化,机遇与挑战并存。我省提出的加快经济增长方式转变和总行提出的加快经营转型都要求我们必须主动加快信贷结构调整,使信贷结构更好地与宏观经济政策和地区经济发展相适应,与全行资产负债结构相匹配。在国家新一轮宏观经济调控周期和银行信贷政策调整过程中,授信审批工作如何从突出信贷结构调整的战略高度,结合信贷结构调整中面临的问题不断优化客户、产品、行业、期限、收益结构,并在审批理念、审批体制机制、审批服务、审批队伍建设等方面进一步提升授信审批的战略价值,保障其职能作用的有效发挥,对此,本文进行了一些积极探索。 At present, the economic and financial environment at home and abroad is undergoing profound changes with both opportunities and challenges coexisting. The proposed transformation of the economic growth mode proposed by our province and the accelerated operation transformation proposed by the headquarters require that we must take the initiative to speed up the adjustment of the credit structure so that the credit structure will be better aligned with the macroeconomic policies and regional economic development and with the bank’s asset and liability structure match. During the new round of macroeconomic regulation and control and the adjustment of bank credit policies, how to approve credit granting from the perspective of highlighting the credit structure adjustment and how to optimize customer, product, industry, term and income structure in combination with the problems in credit structure adjustment , And further enhance the strategic value of credit approval in terms of examination and approval concept, examination and approval of institutional mechanisms, examination and approval services, and approval of contingent building, so as to ensure the effective functioning of its functions. In this regard, some positive exploration is made in this article.